Best Credit Card for Filiberto's in 2026
Filiberto's is classified under MCC 5814 (Fast Food Restaurants). The best card for Filiberto's purchases is the Ink Business Cash (no annual fee), earning 5x on fast food restaurants — an effective return of 10.25%.
Does Filiberto's accept Mastercard? Yes — Filiberto's accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
Filiberto's falls under the fast food restaurant category, which is often covered by travel and cash-back cards at higher earning rates, making it a good place to rack up rewards points or cash back.
To maximize rewards, consider linking your Filiberto's loyalty account to your credit card or using the card specifically for their combo meals and daily specials.
Spending Math
If you spend $200 a month at Filiberto's with a Hilton Honors Aspire card that earns 7x points on fast food restaurants, you'd earn $14.00 in value monthly versus just $2.00 from a basic 1% cash-back card.
Filiberto's purchases are classified under MCC 5814 (Fast Food Restaurants).
MCC Details for Filiberto's
Best Credit Cards for Filiberto's (2026)
How Filiberto's Codes on Your Statement
When you pay at Filiberto's at their locations, your card issuer sees MCC 5814 in the transaction data. This code tells your bank that the purchase was made at a fast food restaurants merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "fast food restaurants" purchases, Filiberto's transactions will qualify — even if your card terms only mention a category name and not Filiberto's specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Filiberto's transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5814 qualifies for bonus rewards.
Bonus Category Match — Filiberto's
About MCC 5814: Fast Food Restaurants
Merchant Category Code 5814 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Fast Food Restaurants industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5814, all qualifying card programs that include fast food restaurants as a bonus category will apply the elevated earn rate.
The Dining industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Fast Food Restaurants merchants: Arby's, Arby's - Albuquerque, Arby's - Anaheim.
What You Could Earn at Filiberto's
Spending $200/month at Filiberto's with the Ink Business Cash (5x on fast food restaurants) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Custom Cash earns 5x at Filiberto's merchants, earning $120/year with no annual fee.